I'd stay with shot, Tyro. You've described your situation and from here I cannot see any reason for the slugs for you.
One advantage, using the cheap field type loads for HD means you're shooting your HD load, and doing so cheaply, another incentive to practicing regularly.
BTW, my HD 870 has 2 field loads up first, followed by my old duty 00, but my situation is somewhat different than thine. IMO, I could live several lifetimes in 'hoods worse than this and never get to round #3.
If I were using the 20 ga 870 Youth I got for the kids, I'd load it with the nice cheap 7 1/2s I got on sale at Guns R Us. So, I practice what I preach.
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